Overview

Dataset Statistics

Number of Variables	11
Number of Rows	150000
Missing Cells	33655
Missing Cells (%)	2.0%
Duplicate Rows	609
Duplicate Rows (%)	0.4%
Total Size in Memory	13.7 MB
Average Row Size in Memory	96.0 B
Variable Types	Categorical: 1 Numerical: 10

Dataset Insights

number_of_times_90_days_late and number_of_time_60_89_days_past_due_not_worse have similar distributions	Similar Distribution
monthly_income has 29731 (19.82%) missing values	Missing
number_of_dependents has 3924 (2.62%) missing values	Missing
revolving_utilization_of_unsecured_lines is skewed	Skewed
number_of_time_30_59_days_past_due_not_worse is skewed	Skewed
debt_ratio is skewed	Skewed
monthly_income is skewed	Skewed
number_of_open_credit_lines_and_loans is skewed	Skewed
number_of_times_90_days_late is skewed	Skewed
number_real_estate_loans_or_lines is skewed	Skewed

number_of_time_60_89_days_past_due_not_worse is skewed	Skewed
number_of_dependents is skewed	Skewed
serious_dlqin_2yrs has constant length 1	Constant Length
revolving_utilization_of_unsecured_lines has 10878 (7.25%) zeros	Zeros
number_of_time_30_59_days_past_due_not_worse has 126018 (84.01%) zeros	Zeros
number_of_times_90_days_late has 141662 (94.44%) zeros	Zeros
number_real_estate_loans_or_lines has 56188 (37.46%) zeros	Zeros
number_of_time_60_89_days_past_due_not_worse has 142396 (94.93%) zeros	Zeros
number_of_dependents has 86902 (57.93%) zeros	Zeros

Variables

Sort by Reverse order

serious_dlqin_2yrs

categorical

Approximate Distinct Count	2
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Memory Size	9900000

The largest value (0) is over 13.96 times larger than the second largest value (1)

Stats Pie Chart Word Frequency Word Length

Length

Mean	1
Standard Deviation	0
Median	1
Minimum	1
Maximum	1

Sample

1st row	1
2nd row	0
3rd row	0
4th row	0
5th row	0

Letter

Count	0
Lowercase Letter	0
Space Separator	0
Uppercase Letter	0
Dash Punctuation	0
Decimal Number	150000

The top 2 categories (0, 1) take over 50.0%

The largest value (0) is over 13.96 times larger than the second largest value (1)
serious_dlqin_2yrs has words of constant length

revolving_utilization_of_unsecured_lines

numerical

Approximate Distinct Count	125728
Approximate Unique (%)	83.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	6.0484
Minimum	0
Maximum	50708
Zeros	10878
Zeros (%)	7.3%
Negatives	0
Negatives (%)	0.0%

revolving_utilization_of_unsecured_lines is skewed right (γ1 = 97.6306)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0.02987
Median	0.1542
Q3	0.559
95-th Percentile	1
Maximum	50708
Range	50708
IQR	0.5292

Descriptive Statistics

Mean	6.0484
Standard Deviation	249.7554
Variance	62377.7452
Sum	907265.7082
Skewness	97.6306
Kurtosis	14544.2286
Coefficient of Variation	41.2925

revolving_utilization_of_unsecured_lines is not normally distributed (p-value 4.226560077950737e-25)

revolving_utilization_of_unsecured_lines has 763 outliers

age

numerical

Approximate Distinct Count	86
Approximate Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	52.2952
Minimum	0
Maximum	109
Zeros	1
Zeros (%)	0.0%
Negatives	0
Negatives (%)	0.0%

age is skewed right (γ1 = 0.189)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	29
Q1	41
Median	52
Q3	63
95-th Percentile	78
Maximum	109
Range	109
IQR	22

Descriptive Statistics

Mean	52.2952
Standard Deviation	14.7719
Variance	218.208
Sum	7.8443e+06
Skewness	0.189
Kurtosis	-0.4947
Coefficient of Variation	0.2825

age has 46 outliers

number_of_time_30_59_days_past_due_not_worse

numerical

Approximate Distinct Count	16
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	0.421
Minimum	0
Maximum	98
Zeros	126018
Zeros (%)	84.0%
Negatives	0
Negatives (%)	0.0%

number_of_time_30_59_days_past_due_not_worse is skewed right (γ1 = 22.5969)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0
Median	0
Q3	0
95-th Percentile	2
Maximum	98
Range	98
IQR	0

Descriptive Statistics

Mean	0.421
Standard Deviation	4.1928
Variance	17.5794
Sum	63155
Skewness	22.5969
Kurtosis	522.3591
Coefficient of Variation	9.9583

number_of_time_30_59_days_past_due_not_worse is not normally distributed (p-value 4.7209123260435e-25)

number_of_time_30_59_days_past_due_not_worse has 23982 outliers

debt_ratio

numerical

Approximate Distinct Count	114194
Approximate Unique (%)	76.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	353.0051
Minimum	0
Maximum	329664
Zeros	4113
Zeros (%)	2.7%
Negatives	0
Negatives (%)	0.0%

debt_ratio is skewed right (γ1 = 95.1568)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0.004329
Q1	0.1751
Median	0.3665
Q3	0.8683
95-th Percentile	2449
Maximum	329664
Range	329664
IQR	0.6932

Descriptive Statistics

Mean	353.0051
Standard Deviation	2037.8185
Variance	4.1527e+06
Sum	5.2951e+07
Skewness	95.1568
Kurtosis	13733.831
Coefficient of Variation	5.7728

debt_ratio is not normally distributed (p-value 4.229555214233732e-25)

debt_ratio has 31311 outliers

monthly_income

numerical

Approximate Distinct Count	13594
Approximate Unique (%)	11.3%
Missing	29731
Missing (%)	19.8%
Infinite	0
Infinite (%)	0.0%
Memory Size	1924304
Mean	6670.2212
Minimum	0
Maximum	3.0088e+06
Zeros	1634
Zeros (%)	1.1%
Negatives	0
Negatives (%)	0.0%

monthly_income is skewed right (γ1 = 114.0389)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	1300
Q1	3400
Median	5400
Q3	8249
95-th Percentile	14587.6
Maximum	3.0088e+06
Range	3.0088e+06
IQR	4849

Descriptive Statistics

Mean	6670.2212
Standard Deviation	14384.6742
Variance	2.0692e+08
Sum	8.0222e+08
Skewness	114.0389
Kurtosis	19503.8945
Coefficient of Variation	2.1566

monthly_income is not normally distributed (p-value 4.226960358932329e-25)

monthly_income has 4879 outliers

number_of_open_credit_lines_and_loans

numerical

Approximate Distinct Count	58
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	8.4528
Minimum	0
Maximum	58
Zeros	1888
Zeros (%)	1.3%
Negatives	0
Negatives (%)	0.0%

number_of_open_credit_lines_and_loans is skewed right (γ1 = 1.2153)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	2
Q1	5
Median	8
Q3	11
95-th Percentile	18
Maximum	58
Range	58
IQR	6

Descriptive Statistics

Mean	8.4528
Standard Deviation	5.146
Variance	26.4808
Sum	1.2679e+06
Skewness	1.2153
Kurtosis	3.0909
Coefficient of Variation	0.6088

number_of_open_credit_lines_and_loans is not normally distributed (p-value 2.6495219958400516e-09)

number_of_open_credit_lines_and_loans has 3980 outliers

number_of_times_90_days_late

numerical

Approximate Distinct Count	19
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	0.266
Minimum	0
Maximum	98
Zeros	141662
Zeros (%)	94.4%
Negatives	0
Negatives (%)	0.0%

number_of_times_90_days_late is skewed right (γ1 = 23.0871)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0
Median	0
Q3	0
95-th Percentile	1
Maximum	98
Range	98
IQR	0

Descriptive Statistics

Mean	0.266
Standard Deviation	4.1693
Variance	17.3831
Sum	39896
Skewness	23.0871
Kurtosis	537.721
Coefficient of Variation	15.6756

number_of_times_90_days_late is not normally distributed (p-value 4.281857549057716e-25)

number_of_times_90_days_late has 8338 outliers

number_real_estate_loans_or_lines

numerical

Approximate Distinct Count	28
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	1.0182
Minimum	0
Maximum	54
Zeros	56188
Zeros (%)	37.5%
Negatives	0
Negatives (%)	0.0%

number_real_estate_loans_or_lines is skewed right (γ1 = 3.4824)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0
Median	1
Q3	2
95-th Percentile	3
Maximum	54
Range	54
IQR	2

Descriptive Statistics

Mean	1.0182
Standard Deviation	1.1298
Variance	1.2764
Sum	152736
Skewness	3.4824
Kurtosis	60.4748
Coefficient of Variation	1.1095

number_real_estate_loans_or_lines is not normally distributed (p-value 2.2022188382642472e-23)

number_real_estate_loans_or_lines has 793 outliers

number_of_time_60_89_days_past_due_not_worse

numerical

Approximate Distinct Count	13
Approximate Unique (%)	0.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Memory Size	2400000
Mean	0.2404
Minimum	0
Maximum	98
Zeros	142396
Zeros (%)	94.9%
Negatives	0
Negatives (%)	0.0%

number_of_time_60_89_days_past_due_not_worse is skewed right (γ1 = 23.3315)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0
Median	0
Q3	0
95-th Percentile	1
Maximum	98
Range	98
IQR	0

Descriptive Statistics

Mean	0.2404
Standard Deviation	4.1552
Variance	17.2655
Sum	36058
Skewness	23.3315
Kurtosis	545.6645
Coefficient of Variation	17.2854

number_of_time_60_89_days_past_due_not_worse is not normally distributed (p-value 4.24909856179237e-25)

number_of_time_60_89_days_past_due_not_worse has 7604 outliers

number_of_dependents

numerical

Approximate Distinct Count	13
Approximate Unique (%)	0.0%
Missing	3924
Missing (%)	2.6%
Infinite	0
Infinite (%)	0.0%
Memory Size	2337216
Mean	0.7572
Minimum	0
Maximum	20
Zeros	86902
Zeros (%)	57.9%
Negatives	0
Negatives (%)	0.0%

number_of_dependents is skewed right (γ1 = 1.5882)

Stats KDE Plot Normal Q-Q Plot Box Plot

Quantile Statistics

Minimum	0
5-th Percentile	0
Q1	0
Median	0
Q3	1
95-th Percentile	3
Maximum	20
Range	20
IQR	1

Descriptive Statistics

Mean	0.7572
Standard Deviation	1.1151
Variance	1.2434
Sum	110612
Skewness	1.5882
Kurtosis	3.0015
Coefficient of Variation	1.4726

number_of_dependents is not normally distributed (p-value 3.4547170911648486e-22)

number_of_dependents has 13336 outliers

Interactions

Correlations

Pearson Spearman KendallTau

Missing Values

Bar Chart Spectrum Heat Map Dendrogram